https://completemarkets.com/company/affinity-healthcare/nurse-practitioner-program/
Exclusive Professional Liability Program for Nurse Practitioners
Nurse Practitioners: A Growing Market Opportunity
As the U.S. healthcare system evolves, demand for nurse practitioners (NPs) continues to rise—growing by over 75% in the past five years.* With more professionals entering the field, the need for specialized professional liability coverage is greater than ever. Affinity Healthcare, in partnership with the Nurses Service Organization (NSO), offers a Nurse Practitioner Program that provides tailored professional liability protection and risk management tools for this expanding segment.
NSO is the nation’s largest provider of professional liability insurance for nurses, currently insuring over 25,000 nurse practitioners and 650,000 nursing professionals. This exclusive program is designed to address the unique exposures NPs face across a wide variety of practice settings.
Ideal Accounts for This Program
This program works well for licensed nurse practitioners in clinical practice, private practice, telehealth, or consulting roles. It fits recent NP graduates as well as experienced practitioners expanding into aesthetic services. Examples you can place with this program include:
• A part-time NP who provides telehealth consults and needs primary professional liability protection.
• An NP adding non-surgical aesthetic treatments like Botox and dermal fillers who needs an optional aesthetic endorsement.
Program Highlights and Coverage Features
• Occurrence-based coverage** (claims-made in Florida)
• Limits up to $1,000,000 per occurrence / $6,000,000 aggregate — higher limits available
• Defense costs paid outside the policy limits
• License Protection — $25,000 per proceeding / $25,000 aggregate
• Sexual Misconduct Allegation Sublimit — $25,000 aggregate
• Defendant Expense Benefit — $1,000 per day / $25,000 aggregate
• Deposition Representation — $10,000 per deposition / $10,000 aggregate
• Information Privacy Coverage — $25,000 aggregate
• Assault Coverage — $25,000 per incident / $25,000 aggregate
• Property Damage to Others — $10,000 per incident / $10,000 aggregate
• Medical Payments — $1,000 per person / $100,000 aggregate
• First Aid Reimbursement — $10,000 aggregate
• Optional Endorsements: Service to Animals; Consulting Services Liability
Optional Aesthetic Procedures Endorsement
Add coverage for nearly 100 non-surgical aesthetic procedures, including Botox, dermal fillers, laser hair removal, microdermabrasion, and chemical peels. This endorsement is an effective option for NPs expanding into cosmetic services who need specific protection for those procedures.
Available Discounts
• 25% discount for first-year graduate nurse practitioners
• 50% discount for retired NPs who maintain an active license
• 10% premium credit for three years with completion of a qualified risk management course
Admitted Coverage Across the U.S.
This program is available in all 50 states and the District of Columbia, offering admitted coverage through American Casualty Company of Reading, PA — a CNA company. Affinity Healthcare serves as the program administrator, bringing decades of experience and dedicated service to agents placing NP liability business.
*Real-McKeighan, Tammy. “Number of Nurse Practitioners Increasing Nationwide,” Fremont Tribune, March 10, 2011.
**Coverage is written on a claims-made form in Florida.
Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency.
All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy.
Frequently Asked Questions
What types of accounts are a good fit for this Nurse Practitioner Program?This program is ideal for licensed nurse practitioners working in clinical, private practice, telehealth, or consulting roles. It also fits NPs offering non-surgical aesthetic procedures.
Is the coverage admitted and available in all states?Yes, the program is admitted and available in all 50 states and Washington, DC.
Can coverage be extended to include cosmetic or aesthetic treatments?Yes, the optional Aesthetic Procedures Endorsement covers nearly 100 non-surgical treatments, including Botox, chemical peels, and laser hair removal.
Are there any discounts available for new or retired NPs?Yes, new graduate NPs receive a 25% discount, and retired NPs with an active license receive a 50% discount. A 10% risk management credit is also available for three years upon course completion.
What carrier underwrites this Nurse Practitioner Program?The program is underwritten by American Casualty Company of Reading, PA — a CNA company.
Need help placing an account? Connect with a market specialist.